Financial Audit: 90-Day Fiancé

You know 90day Fiance? Yeah, I mean I. know 90Day Fiance. What's different. here? I mean there's nothing really. different about it. So just fully. mailordered bride. Well, I guess I did. pay a dowy. I met a girl from Brazil. I. met a girl from Turkey. So yeah, I think. they want to come here. That's kind of. what my message said. Oh, what did it. say? Would you like to come move to. America with me? It's getting a lonely. in my apartment with my cat. No. Download my budgeting app today and take. control of your money once and for all. And for a limited time only, sign up for. the annual version of Premium and get my.

cookbook and notebook signed and mailed. directly to you. Link in the description. and pin comment. below. Hi, this is Jedadia. I'm 36. I'm. from near Colorado Springs, Colorado. And this is Financial Audit. Thanks for coming over to Austin, man. Uh, glad to be here. Glad to be here. I. don't think you're allowed to wear that. Oh, I for sure am. I mean, I can't. believe you'd even say anything like. that, you know? Is is this a cultural. appropriation comment? I don't know. I. just feel like the internet is telling.

me that the internet is already. Yeah. Oh, well, no. Um well, what are we. what are we doing? So, I bought it. Um. they they told me to buy it. Oh, they. told me to buy it. Um and yeah, so I. think it's okay. I mean, I was requested. to buy it for a uh an engagement. ceremony. So, whose are you going to? Mine. You're buying it for your. engagement ceremony? Yeah. But you're. wearing it out in public. Well, yeah, cuz I thought it'd be funny, you know, like I like, you know, you hear that.

whatever culture this is. No, no, I. thought Well, no, I'm kidding. I don't. give a trust. I was pretty sure we were. going to lead with a cultural. appropriation comment. So, I called it. the internet. The internet. I don't give. a anyone does. But, okay. So, you're engaged? Yeah. Or you're. getting engaged? Yeah. Just got engaged. Just got engaged. Uh, let's Is that the. culture of the person you're getting. engaged to? Yeah, it's um and then the. colors are their native uh town and.

tribe. So like each each area in the. country each area in the country has. like a different um colors. What is it? What country? Well, it's the country is. Cameroon and the region is Binda. Is. your is that like her roots or is she. like there right now? Yeah. Well, both. Yeah, she's Well, she's in Cameroon. still, but she's in the big city and. she's from two weeks in a row of like a. 90-day fiance African version. Yeah, I.

guess talk to Lindsay, you know. Yeah, this is interesting. This is a double. dipper. What are we doing? I mean, okay. I I. I What did you even find her on? Uh, okay. Cupid, were you like in Africa on. the maps? No, no. Okay. So, they had. passport mode and so Okay. Okay. Cupid's. like a less popular one, you know, right. now. Hinge is like the big thing. Um, then Tinder and Bumble have been around. for a while, right? So, um, I wasn't.

like I had kind of gone through those. already. I was just like, what's going. on in OkayCid, you know, I haven't heard. about that in a while. And then so. instantly, you know, I did a few swipes. and instantly I was suddenly in Denver, you know, so I was out of the locals. like in, you know, like so let's jump to. Cameroon. Well, they have passport mode, right? But so there's another there's. states surrounding Colorado, but sure. Yeah. Okay. So then I did passport mode. and so you Yeah. I was just messaging. girls from like kind of everywhere. Um.

not just Cameroon. It wasn't like Did. you like drop your little passport mode. in the middle of Africa? Just like No, you know, I don't think their passport. mode work like that from what I. remember. I mean, I could I could be. totally wrong. I think it was just I. think it was just showing me girls from. all sorts of different places. Has she. always lived there? Yeah, she's always. lived there. So like I met a girl from Brazil. I met. a girl from Turkey. I met a girl from. Nigeria. Um so so you knew you would be. on TLC, right? Well, no.

What's different here? What do you mean? Why would I be on TLC? I mean, what's. different here than the traditional. 90Day Fiance story? Do you know 90Day Fiance? Yeah, I mean I. know 90Day Fiance. What's different. here? What do you mean what's different. about it? What's different about your. situation than 90day Fiance? I mean. there's nothing really different about. it. So just fully mailordered bride. Well, it's not I didn't Well, I guess I.

did pay a dowy, but uh yeah, we talked. about that one, too. Uh but yeah. No. Um, so it's like the the the just like a. a white dude like pays pays the the. family tribe some money and then they. get to marry their daughter, bring them. over kind of. Yeah. I mean, that's kind. of how the diary works. Um, but yeah, so. yeah, I was messaging different girls. there and so I wrote a message and I. kind of had like pretty much 100% uh. response rate from it. So yeah, I think. they want to come here. Yeah, that's.

kind of what my message said, too. It. was like, oh, what did it say? It was. like uh let me see. Um, what did it say? It said it said like uh, "Hey, like nice. to meet you. Um, would you like to come. move to America with me?" Like, um, company message like, yeah, like uh, let's see. Would you like to move to. America with me? It's getting a lonely. in my apartment with my cat. Oh, no. With just me and my cat. No, no. Oh, no. No. But hey, look, like I.

think it was the right thing to say. because like I said, I guess you were. being honest. Well, yeah. I got a 100%. response rate like when you go and they. all said yes. Yeah. Well, it started a. conversation. How did you select the. Nigerian princess versus She's. Cameroonian. Oh, Cameroonian. I think. the other one was Nigeria. How do you do. How did you select this one versus the. Brazil? The Well, Russia this. Well, she. was the one like I got along with the. best and I thought she was very. beautiful obviously. Um but so it.

actually Have you met? Oh yeah, we have. now. That's why where I got all the. clothes. We went there. So, you only met. once. So, it was like the before the. 90day series. Yeah, basically. Um, well, to start the process, you have to meet. in person once. So, like you're not. allowed to do the immigration forms. until you've met in person. So, like we. had to meet in person. Like, we've been. talking for 2 years. 2 years. No. meeting. Yeah. Well, it was it was hard. How long were you in uh Cameroon? Oh, two weeks. Maximum vacation time. Yeah. 2 weeks. And we're we're we're closing.

it down. We're giving money to the. village. Well, yeah, but I've been. talking to her for two years and like, you know, we kind of decided like so. there's there's like more backstory. It's cuz I dated the Brazilian girl. first because she was able to come to. the US like cuz Brazil is like on the. approved countries list, right? So, they. can just get a travel visa and come. over. So, she came over and she Wait, who did the Brazil Brazilian? So, so one. one other prospect came one other 90-day. fiance prospect came. Yeah, another. another 90-day prospect came. Um, so you.

know, that went like good and bad, but. mostly probably bad in the end. Um, you. know, I guess we just didn't get along. Do you have something for someone that. like like a international kink or. something? Like is there It's not It's. not It's not a bad thing. I'm not But. the fact that the only people you were. talking to is international was like Did. you have a hard time dating nationally? Well, well, sort of, right? Like that's. what I was saying. Like when I'd go on. like uh Tinder and like Yeah, but you.

could have got someone in Florida, right? Well, yeah. Well, I guess the. quality was higher. The quality was. higher. Yeah. Okay. So, it's like, you. know, so accenting ding ding. Well, no, it was just like they're they're nicer, prettier, like you know, smarter, you. know, like um But aren't you not afraid. that e wait, why did the Brazilian one. not work out? Sorry, we will get to the. finances. This is very interesting. because she's a fiery Brazilian, you. know, and and she you guys fought. Yeah, a little bit. And like what' you fight. over? Well, just all sorts of stuff,

honestly. But like um so she would drink. a lot, you know, like a little bit. finances because so she was here and she. was staying with me and um you know, I'd. be like, "Hey, uh she was like um I. would let her borrow my car, right?" And. then so she would like need to get gas. And I was like, "Oh, hey, just come with. me to Costco. I need to get gas, too.". and she'd like get really mad like that. we couldn't just go to this other. slightly closer gas station. And then um.

you know I'd be like oh hey maybe you. know shouldn't like spend so much of. your money like on beer like you know. like your percentage of money you're. spending on beer is like pretty high. So. like uh she got kind of mad about that. Um and then there's just like all sorts. of stuff like the air conditioning. Um you know how much did you pay to the. tribe? of $1,000. A thousand? Yeah. I. mean, pretty decent price. But you. bought her for $1,000. I mean, it's. like, well, I don't know if I want to.

use that language for that continent, but yeah. [Music]. Well, uh, yeah. I mean, it's a diary. It's a tradition. If you look up. Cameroon bride price, it's like a thing. And like actually on 90 and on 90 Day. Fiance, right, like the they had a. Cameroonian on there, but it was a guy. So then, did you watch that show as a. tutorial? Yeah, actually when I was. going over there because it was a guy. from Cameroon, so I just wanted to see. what was going on. Um, but yeah, so so. then the American girl like had to be. bought and then her parents were just.

like, "What? You're buying our. daughter?" Yeah. So definitely a thing. How does it feel. and I I know that again this. apparently like this is a big part of. the finances. This is this international. thing bringing her over. So like I get. it. This is this is the big part of the. financial audit and we're we're talking. about it right now. But are you what's. your thoughts on the fact that all those. women including the one that will be.

coming and the one that has. come literally agreed to that first. message about just using you to come to. the United States? Oh well I wouldn't. say that there was more like your. opening message was do you want to come. to the United States? Yeah. Yeah. Well, cuz that's like the ultimate goal. They. don't know you. That's like the ultimate. goal. But they don't know you. The only. thing they knew was this is a way to. come to the United States. Yeah. So, okay. The Brazilian was able to come, right? So, she was already So, she was. already like looking to come and then um.

she didn't actually come for like I. guess like 2 or 3 months after we. started talking. So, it wasn't like, "Hey, come here." And then they Oh, I. get it. But they're using you as the. ticket to get here. How does this not. How does this feel like you don't What? Okay. What happens after 5 years? Okay, the alternative is me go there and did I. want to go live in Brazil or did I want. to go live in Cameroon? No, probably. not. So, what happens after like 5 years. of marriage and they can kind of less. consequences kind of cut that ties. I. mean, like I said, we get along like you.

know like I've had like Well, what if. her mission is just to get here? That. was your opening message. I'm not saying. it 100% but that was your opening. message. Yeah. I mean, that's So, that's. the first thing they knew. The first. thing that started the conversation was. this is their way to the United States. Uh, yeah. I mean, I guess like that's. that's a really negative way to look at. it, but that was your opening message. You're Hey, it's fair. You didn't bring. it up once they knew you. Yeah, but the. whole time like people told me like, "Oh, when you go over there, like, you. know, are you sure you've talked to her? Like, are you sure she's not catfishing. you? Are you sure you're not going to.

get kidnapped?" Unless she's not at. least catfishing, you know, like there's. like this huge like list of things that. everyone told me to like worry about. like, "Oh, you're not going to get. along. It's going to be different when. you meet in person." But like we had. been talking for 2 years and we've been. doing like video calls like pretty much. get that. That's not what I'm saying. No, we genuinely get along and like we. smile when we talk to each other. Okay. I mean, look, like I smile with my. friends when I talk to them. Yeah. Okay. But yeah, that's and co-workers and. you that doesn't mean we'reing getting. married for love, me and you. It's I.

don't think it's a high concern right. now. Um I think the probability is like. relatively low. Um that can happen with. people even that live next door to you. No, of course. So like, but your. probability is higher. I mean, is it. though when you do only talk to the. people that. when you only talk to the people that. responded yes to wanting to come to the. United States from your opening message? I would suggest so I haven't even asked. what your job is. What do you do for a. living? Uh, so I do software.

engineering. Oh, okay. Cool. So you make. some money. What are you making? Um well. so I guess all income sources right now. after taxes after medical bills and all. that. Not medical insurance. Yeah. Sure. What hits in that? Sure. Yeah. Okay. 10,000 a month. Yeah. Yeah, dude. Absolutely killer. I I know some. foreignb born princesses would love. that. That is great. Um yeah. So, but. when I met her, I didn't make anywhere. near that much money. What' you make?

Um, it was probably more like 3,500 a. month. Yeah. 3,500 a month. Well, that's. probably about like 3,000 more a month. than their annual GDP. per capita. Yeah. Yeah. She doesn't make. a whole lot of money. Um, what does she. do? Is she going to come here? She does. eyelashes and she does uh like hair. stuff. Right. Right. Right. Right. Well, eyelashes is pretty lucrative here. It's. just not there as much. Yeah. But people.

pay like once she do it legally here. Yeah. Once we get her a green card. Uhhuh. Cool. And what happens after 3. years of marriage and she has a green. card? Cuz you pretty much got to be. married like 3 years with the green. card. Yeah. And then they can get divorced and then. there's Yeah. Yeah. You can always like. anyone you get married to can divorce. you. I mean the intention. I mean, that's probably why you're not married. is cuz you were worried about that. I.

mean, I was too. And to be fair, I was. too, you know, like I was worried about. like that. But then, well, I just. specifically know this one guy here in. Austin, Texas. I know I don't know him. personally. I actually know the girl. Uh, but um he they got married. She was. from she's I think China or Taiwan. Well, just over there. and. she got married, got the green card. Two. years two to three years after the. marriage, done, done. Out.

out. And now she's just trying around. with the green card. Yeah. Hey, I mean, it's a definitely a possibility, but. like I said, you know, um I I like, you. know, I'll have to judge your character, right? And so I I judge that. Well, $10,000 a month is great. Why the are. you so It's just you and your cat, as. you admitted. How could things be so. bad? Sound like you brought on someone. and incorporated made family and all. this stuff. I I didn't think it was that. bad. It was mostly just like the trip.

and some medical. expenses. And those medical expenses, you know, honestly, that's one of the. reasons that medical expenses. I don't. know. I see a ton of purchases on this. first credit card alone that has a high. that I don't think this is just medical. No. 1 2 3 4 5 6. No, I don't see one. medical expense here. How much did you. put on credit cards expense? Uh about. 4,000. Okay. Well, that's not even a. fourth of your highinterest debt. So, I. don't think that's the reason we're in. this mess. Well, yeah. I mean, the trip. and medical expenses combined is about.

What trip? The trip to go get engaged. But there's so much spending on these. credit cards right now, dude. You. literally you spent. $2,216 more than you brought in this. month. Well, yeah. Well, because it's like a. lot. Where did you go to a lot of. emergency fund spending? Wh why medical. expenses and car expenses? What are you. dying every month? What's happening? Did. you know that? No, it happened in. January and then the bills didn't come. due until What happened? Uh well, I I'm.

not actually they told me not to say so. we don't get banned on YouTube. Apparently can't apparently we can't. mention specific Yeah. Okay. Yeah. No, it's just like Okay. And uh when did you. go to Cameroon? Uh two months later. like well a month and a half after the. medical. So March. Yeah. March. Okay. That that does not We're not looking at. March's statements. Probably looking at. like April's. Yeah. We're looking at. April. So that doesn't matter. I mean.

you are you're looking at Marches. I. mean I don't like I see April. April. April. April. April. April. April. April. Okay. I mean I don't know. I. think I mean the the April statement has. March's payments usually, right? like. March is uh minimum monthly payment. maybe, but these are purchases being. made in April. Okay. I mean, I sent you. the statements April 15th, so like April. wasn't even over yet. So, I mean, wasn't. over, but I am seeing some April and.

your spending in the last sent too of. the more recent cards. So, there's. either way $2,000 more than you owed. Yeah. But like I said, some a lot of. it's emergency fund spending. like you. know when you're when you have to do a. car repair, when you have to do a. medical expense. Okay. I had one large. medical bill, but that still pushes you. directly to the edge. Yeah. No. Well, yeah. I said I'm not. going on a trip to Cameroon every month. I'm not getting engaged every month.

Like the trip cost me like a eight grand. or something. I don't think the trip was. on the statement, buddy. Okay. So, in general, what is. going on? Because even if it was even if. it was just that spending, let's just. say if it was 1 month, 2 months of bad. spending, I wouldn't have this. much paperwork. Uh I mean, what is going on? Cuz you're. making too much right now to be this. I. think I mean I think we'll just have to. dive into it. Like I I think you're I.

want to see self assess why you think. it's Well, I guess you think it was. medical and travel, but this wouldn't. all be existing just for that. Well, and. I mean that explains a month. Yeah. And. I mean it's mostly Yeah. I mean that's. mostly when the problem because I wasn't. making this income for that long of a. time. Well, how long have you been. making this job? Uh essentially since uh. you know well I mean I was And why did. you use an emergency fund to go to. Cameroon anyway? Is that an emergency? Well, it kind of is. No. Well, okay. So.

like what? It kind What? How? In what. world is that an emergency? Because. because we can't get married and we. can't be together until I went there. Why did you save up for it? I did. That's what an emergency fund is. No, an. emergency fund is for emergencies and. then a trip can be saved up for as a. trip fund. Okay, so this is how I looked. at it. It's like look, if the longer I. delay it, right? Mhm. Is you wouldn't. have to. You make money though. You. could have budgeted in a trip. I assume. Cameroon isn't the most expensive trip.

in the world. I mean, it was pretty. expensive. What? Like I said, it cost. about 8,000 all told to do like the. enga. Like I had to pay the dowy. Oh, well that that but it's not the trip. Okay, I I see what you're saying. Yes, you had to pay your tax to purchase a. wife. Yeah, I get it. Yeah. Yeah. And. then I got an engagement ring. Oh, for. sake. Okay. Was that included in the. 8,000? Probably. Okay. Maybe we didn't. need that purchase. I mean, I don't. know. It probably was. Yeah, I'm. including it in the 8,000. Yeah, for. sure. And then, um, at least you're.

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dreamed of. Yeah. Um Okay. Yeah. So, um and then I. also bought some sort of stuff in. advance. So, um like I know she's going. to come over. Well, I don't know. But. the plan is that it takes You don't. know? Well, well, I don't know how long. it's going to take. Okay. Right. So, like early side, she gets over here. around November. um late side, you know, February of next year. So that's why. like I didn't want to delay it even.

more. But what's life going to look like. financially when she's here? What does. she want? What is happening? Is she. going to be like a [ __ ] milker? A lot. of the times on those shows, they are, you know, quite needy and they want to. do a lot of things. They get a little. upset if they don't get like allowances. It's very interesting. And it's also. boring if they don't have like any kind. of like work permits or anything. It's. like what do they do with their time? So. like what are you going to do? Well, yeah. Yeah, definitely. Well, luckily I. do work from home so we can like still.

Well, I mean not 100% of the time, but. like a lot of the time I work from home. so we can spend some time there. Um, and. that's one of the things I bought in. advance was try to get like um plenty of. like entertainment stuff set up so that. like you know like to get like um season. tickets and stuff to various things so. that Do you guys agree on everything? Do. you guys disagree on this money? I mean. no one agrees on everything money. related here. Well um she doesn't really. have. like you know I guess their What about.

her expectations of it though? Their. financial situation over there is a. little different. I know, but what are. her American dream expectations? Remember, she responded to the opening. message. Do you want to live in America? Well, yeah. I mean, I that's a good. question. Like, um I guess we'd have to. ask her exactly what her expectations. You don't know. You talked to her for. years. Well, I mean, I've talked to her, but like, you know, I She hasn't. expressed things. Yeah. I mean, well, she said that kind of stuff doesn't. matter to her as long as she has like. the base because it's like where she's. coming from. I know where she's coming.

from, but she wants to be here for a. reason. Yeah. Why does she want Fine. How about this? Why did she want to be. here before she I've been to her? I've. been to where she lives there. It's not. very Why does she want to be here. specifically before she knew you? Cuz. she responded to the application to come. to the US essentially. Yeah. I mean, I. think a lot of people there want to get. out, you know. I think that's like a, you know, they they watch movies and. stuff and they see like it's like nicer. Like I mean, I I don't know exactly, but. that's kind of like my gist of it. And. then, you know, I went I I've seen where.

she lives, you know, and like um I I. would just say most Americans wouldn't. be willing to live there. Not that it. was that bad overall, but like just in. general, they probably wouldn't be down. for it. And then um you know, like their. power cuts out all the time, stuff like. that. Just like small annoyances. Um. Yeah. Okay. Okay. I mean, she doesn't. even And so that's not the reason. I. mean, she's getting married. Okay. Maybe. it is. But like, you know, um I think. when she comes over here, the main thing.

that's going to change financially is, you know, I spend a lot of money on food. already. Not like eating out, but just. like on food to Why? Well, to get good. quality food, man. You know, like you. don't want to get that like gross like. kayo beef, you know? You want to get. some nice grass-fed dryaged, you know? I. don't know. You had you had more going. out to eat than you had groceries. So, well, that's $600 going out to eat. Okay, that's not. true. That's just not true. Like, that.

is math. Yeah, but I didn't spend $600. going out to eat. Like, maybe you got. some of my grocery purchases in there or. something. I've only been out to eat four times. like this year. Maybe five times. One of. them was today. We had some burgers. What is uh Yeah, knockabout burgers. That was like the first time around. That was one we had $25 adding up of. sweet treats that we were stopping and. getting. Oh, so $25. So, no, some adding. up. We had about. $19863 sweet treats. We'll go through.

the statements, buddy. I haven't gone. through them. Someone else did. Carter, what's Carter County meat? Yeah, grass-fed beef. That's beef. So, okay. You're you spent more just on grassfed. beef specifically than you need to on. groceries in an entire month that you. could in a budget friendly way with meal. right I could eat less I mean and just. meal prepping in general you spend more. on just grass-fed beef than someone. who's trying to budget and live a better.

what are your goals are you trying to do. other than bring someone over okay even. if I got Costco beef right like I would. like okay that's 30 lb that's 30 lbs of. ground beef so even if you bought 30. pounds of ground beef from Costco. I. mean, you'd save I'd save like um. probably like 33% on it or something. Like I I pay about nine something. dollars uh a pound and I think you can. get Costco ground beef like and that's. after taxes. 9 something after taxes. So. like Costco ground beef after taxes is.

like maybe six something. So I'm saving. like $3 a pound. So but it's the. problem. Look at how much meat are you. eating, dude. Like over a pound a day. Okay, that's what I'm saying. Like, and. then there's more groceries on top of. that. Yeah. I mean, I spent a lot of. money on 148 at Trader Joe's and. Scoopers 139. Yeah. King Supers is grocery store. Why. what's your water situation? You're. you're not in Cameroon, right? I know, but I get um I get Well, okay. Yeah, but. that's like that's like three months.

worth of water, and that's more important than not going. further into debt. Uh, well, I mean, you don't have. filtered water. I do. I use it for tea. and coffee, but like the that's like um. it's like kind of mineral water. So, it's like works like a Okay. It's super. hydrating and it like gives you. magnesium and but let's just think about. life where we are cuz this is this is. what you're prioritizing. If that's. where life is, fine. You can prioritize.

it. Obviously, we're going further in. debt. So, maybe we don't when we're. draining our emergency fund, but what. are your goals? What are we trying to. do? Uh, well, okay. So, now that I'm. getting married and she's going to come. over here, um, I guess like sort of the. goal is to want to buy a house. So, like. Okay, now that's a good goal. So, you. know, like you're hammering on the debt. over here and like Oh, yes. You have. 40,000 or $20,000 in bad debt. Okay. But. I haven't paid any interest. I haven't. paid any interest. So, is it bad debt? Well, debt to income ratio, they'll look. at it. Um, and they're on credit cards.

which will acrue interest, but they. haven't. So, doesn't matter. They will. Okay. Um but so don't pay them off and. you're not. Yeah. I'm trying to save up. for a house. So. um yeah, like you know that's kind of. like save up how much? Well, you know. you got to get a down payment, right? And so like I know you're like into real. estate like you mentioned all the time. So I'm hoping that like you know that. we're on a real estate bubble right now. when all these foreclosures come up that.

like the market looks a little bit. better and maybe um that down payment. hope. I mean, but there are like there. has been foreclosure insurance for the. last like four years. I mean, that's But. what if that doesn't happen? What if. rates drop soon? People are able to. refinance onto more affordable things. Not even rates. It's like the fact that. No, it's not even rates, but if people. are near that level of foreclosure, if. rates do drop, they might be able to. refinance into a more affordable. situation that allows them to get into. something they can afford and uh not get.

foreclosure. Yeah. Um, that's true. Yeah, that's. true. I don't know. Banking on that. something that's happened like a couple. times in American history. It's like. [Music]. rights are like looking like 2008, right? It's looking like 2007 right now. I mean, okay, but like, okay, I I really. want to get a house because um Okay, a. like she's coming over and like and then. um you know, I was trying to start like.

doing some chicken farming and um so I. like you're okay. Software engineer or. farm? I don't know. Well, okay. So, eggs. are super expensive, right? And and. typically they're like, you know, not. okay. The money they're tortured. They're tortured eggs. Okay. Yeah. But. you you're able to you get grass-fed. beef. You know you can get better eggs. Yeah. But they're like ridiculously. expensive. If you're if you're giving me. a hard time about the grass-fed beef, like how do you feel about paying like a.

dollar an egg? It's less about that. It's more that you It's It's less about. that. It's more that you're going into. an entire house purchase just for this. If it was you're able to do that in your. current situation, like I don't care. Well, yeah. I mean, I did try to have. the chicken live at the apartment. Um, but then it got evicted. Kid got. evicted. Yeah. What is a chicken getting. evicted? Um, okay. So, I guess like there was. this girl I was kind of dating. Um, and. was she American this time? Yeah, she.

was well Native American. Um, but but uh. so yeah. Um, I mean it wasn't like we. had dated before and then so I guess. like I fel it felt kind of hopeless cuz. I like um I was on employment at the. time and like so I didn't think I could. do this whole Cameroon thing even though. that's like what I really wanted to do. but um Wait, you wanted to do this while. you were dating the other one? Well, okay. What I'm saying is I've been. wanting to do the Cameroon thing for.

like 2 years. Yeah, but it just hasn't. But but you were dating this Native. American girl while this was happening. Uh, well, we weren't we weren't really. talking so much during. Does Miss. Cameroon know this? Yeah, she does. She's okay with it. Yeah, I mean, she. did. We just needed some local company. as you were waiting for the big the big. migration sort of. Uh, but it was more. like we were more friends than we were. like is serious. Oh, they're saying the. Brazilian was also an overlap. Yeah. Well, yeah, Brazilian, too. Yeah. I. mean, yeah, because we were just.

talking. Well, you know, there's like no. Yeah. Anyway, go on. um chicken. eviction. Okay. Yeah. So, so yeah, I. guess um she got kind of mad cuz like. like I said, it was more like a friend. thing like for me at that point like we. weren't really like um you know hooking. up a whole lot and then so she was like. kind of mad about that and so you. weren't [ __ ]. Yeah. Okay. Well, probably cuz you know I had my. heart in other places but um yeah. So.

anyway, hey Pooky. Our Memorial Day sale. is happening right now and it's your. shot to grab some of the tools you need. to own your financial future. Yeah. And. for 10 short days, May 23rd through. midnight on June 2nd, every single one. of our classes is discounted. Pick any. individual course and slash 20% off. Just $157 each. Or you could go allin. with the complete master your money. bundle and save. $237 at 30% off. So, you can secure the.

core four courses at a massive discount. And inside, you'll find step-by-step. lessons on budgeting, crushing debt, and. beginner to advance investing. Everything you need to start making. smarter money moves today. And this deal. disappears the moment the clock hits. midnight on June 2nd. Click the link in. the description below. Lock in those. Memorial Day savings before they're. gone. Take control of your financial. future today. See you in the classes. Uh, so she's kind of mad about that. And. then like so leftover from the Brazilian. girl like I had these lingeres and so.

they were just like in my closet and. then um I guess she like went into my. closet for some not even my closet. It. was like the closet in my office. Um so. like she goes in there and she sees them. and then she just like freaks out and. and I'm like well they're not there it's. it's kind of like not it's like it's a. long story to get to a chicken leaving. Well yeah. Okay. I'm getting there. I'm. getting there. So, so anyway, she finds. the lingerie and then uh gets really mad. and starts throwing stuff away. And then.

I got kind of mad at her for doing that. and then we kind of broke up. And then. like right after we broke up. um you know like I don't know 3 days. later the chicken police came to my. house and uh the is the chicken police? I mean this is the chicken police. I. mean I don't know what you want me to. tell you. They just knocked on the door. and they said we need a like it's kind. of like you know was it an indoor. chicken? Well, it lived on the balcony, so I made like a I'm not sure. Neighbors. love that. Well, okay, they're right. Okay, but if it was the chicken like.

that, I thought you were all about moral. space and for the chicken to run. Well, it's a it's a lot more space than like. if even like those even even the open. pasture chickens like they they put them. like Okay. Yeah. Yeah, but it's still a. balcony though versus a yard. Yeah, I. took it for walks. Uh-huh. You take your dog for walks. Are. you are you torturing your dog by. letting it live inside? No, but I don't. keep it on a balcony. So, the chicken police come and they're. like, "Oh, this is like a safe, habitable, like, you know, it's warm.

area. You have a heater for this. chicken. It's like a, you know, safe. environment. It's like a happy chicken.". And then, so then like 3 days later, then the apartment complex sent me a. letter. Fair enough. And they were like, "Hey, you know, this chicken violates. our pet policy. You have 24 hours to get. rid of it." So then I had to find like a. different home for the chicken and so it. kind of I fostered it at a friend's. house and then um so you know I maybe. one of the eating out things you have. down for me is like a kombucha.

subscription I have. No. So in that's. probably in the subscriptions though in. the um in the kombucha network there was. someone that I was able to in the. kombucha network. Okay. Where do you. think you are in the world of finances? Zero to 10. Zero being the worst, 10. being the best. I mean, um, I'm probably. four. Probably four. We'll see. Feel like that's I highly doubt it if. you're on the show, I'll be honest. But.

things have surprised me before. If you. want to see where you stand in the world. of finances, take the assessment. Go to. caleb.com. You can also go to. caleb.com/apply if you want to be on the. show. Don't forget, if you don't want to. end up like a guest on the show, make. sure you're downloading my budgeting. app. And if you sign up for the annual. version, I'll send you our budget. friendly cookbook, which can't be. purchased anywhere. I'll sign it and. I'll send it directly to you. All right, guy. Well, so do you want to know the. chicken's name? Okay. Uh, it's Harriet. Potter, the chick that lived cuz uh I.

tried to hatch a bunch of chickens and. only one survived. Stop. You have a uh Chase Freedom card. I love the Chase Freedom card. It's a. classic. Is this the OG freedom or I don't know, dude. You tell me. Okay. I mean, I have. three. The man has found love. He is. giggly. 6,500. Okay. That's the unlimited. Yeah. $85.77 with a minimum monthly payment of. I can't tell.

Yeah. I don't know. Never made a minimum. monthly payment. What is the minimum. monthly payment? I honestly I don't. know. It's usually probably like 40. bucks. Okay. $40 minimum monthly. payment. And on here, pending lands end. We're PayPal and PayPal and PayPalen. Pay. Oh, educational access.com. That. one's blacked out. Carid.com. Carid.com. Cars. Summit. Crocs. Auto. Cars. What? What? What the [ __ ] is going on with.

your car? What are you doing? Uh, so. that was oil filters, wiper blades, air. filters. Um, did you do it all at once? Uh, yeah. just in a month you couldn't. afford it, but it's it's uh it's got like. introductory interest. So, it's like it. doesn't have to be paid right away. Yeah, but it's still spending that could. have gone towards other things like not. draining our emergency fund and cash. flowing our trip to camp. But I'm going. to need all that stuff anyway. Like I. know, but you didn't have to do it that. time.

They had a PayPal promotion. When does. the pro when does the interest free. period end? uh like in a few weeks. Yeah. But I'm getting I'm getting paid. You're getting paid. You also haveing. bills. Yeah, that's what I Yeah. Good. luck. Okay. Burken Brands. Burken. Brands. Oh, that's coffee. Oh, it's. okay. That's not what I was like coffee. beans. Parts Geek. Uh blacked out.

Blacked out. HB M. Is that HBO Max or is. that Yeah, it's $3. Okay. pretty good. Burke Brands, Mountain. Star, Knockout Burgers, Denver's Art. Complex, Land's. End. Is. that is Land's End also? Uh, no. That. that's closed. Like I bought like I. bought them in like November, but um the. the like product wasn't available. So. like and likely miscellaneous [ __ ]. and we'll go through everything. We're.

seeing about almost $1,000 of purchases. in miscellaneous [ __ ] I mean, you. calling car necessary car parts, Denver. miscellaneous arts complex, Bomba Socks, Land's End, Denver Center, Colorado. Symphony, Event Tickets, Chamber. Orchestra, Alibaba, and Staples. That. added up to about a,000 bucks. Yeah. Yeah. The those were the season tickets. I was mentioning. Yeah, that's all. miscellaneous [ __ ] Yeah, that's. fair. That is not car parts. That is. $1,000. That is fair. That is pay off. debt before interest acrru. That is.

uhing giving to the village. That's, you. know, $1,000 goes a long way. No, that's. fair. Yeah. Yeah. I mean, yeah, but like. I said, this is when they're doing the. season tickets, so I figure it was. better to get them now than Yeah, but. you spent it in a month where you spent. $2,500 more than you made. Yeah, but and interest cruise in a. couple of weeks. Okay, we have another. freedom card. Yeah, that one shouldn't. have anything on it, though. I used to. think life insurance was one of those. someday things like I'll get to it.

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Let's get back to the episode. If you. want to earn up to $5,000 every single. year just for holding your investments, keep listening. This one's wild. Today's. sponsor, Silo, is flipping the entire. brokerage industry on its head. And all. the big guys are out there dangling lame. one-time deposit bonuses. Sil said, "Yeah, oh, we can do better." Then, so. they did by becoming the world's first. cashback investing platform. If you. deposit using my link, Silo will boost. your balance by 1% every single year for. life. And that's not a typo. Every year.

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should, too. If you want to earn up to. $5,000 every single year, don't wait. Use my link. siloarkets.com/caleb to start earning. bonuses for life. Let's get back to the. video. Uh, well, it does. $3,960.96 with a minimum monthly payment. of $108. How long does this take to pay. off if you're not purchasing, which by. the way you did. $267.64. How long does this take to pay. off? Only minimum monthly payments,

which is what you did last month, by the. way. Right? Because it's an interest. free period. So there's no reason. Yes. But how long does it take to pay off? I. mean, well, there is a reason to pay uh. pay more towards it. The amount that is. necessary without purchasing that pays. it off before the interest. it make more. sense to put that in my high yield. savings account and earn interest on on. the money. I guess you're finessing a. couple dollars there and you're on this. show where you like many other people. I. mean, look what you've done. Like a. couple dollars versus a mistake of. losing, you know, like $50 in interest. like that in one month. It's Yeah,

that's fair. But that's why I'm doing it. is like I'm waiting. I get it. But the. finessing people have There are so many. people that have come on the show that. try to finesse and I don't want you to. end up like that. You were so close. How. long does it take to pay off? I have no. minimums only. What do you think? Uh. what do you think? 108 times. So. probably like four years. 14 years. 14. There you go. This interest will kick. in. Well, see that that minimum monthly. payment is a little skewed. It's not. actually 108. That's because Okay. There. was like a problem with my automatic.

payment. And um. what? Because I'm automatic. Well, Chase, it's a complicated story, but. like the point is is it's uh coming out. of my savings account to automatically. pay it, but then when Chase runs that, they run it as a checking account, and. then it gets denied. So, then I have to. do I I end up having to do a manual. payment for the Chase cards. So, like. that, it's like a $29 minimum monthly. payment plus like a fee. I'll put $29. for being late. That's why it's so long.

There is a late fee. 14 years is going. to take a lot longer when it goes with. that. And I get it. It was and it was a. situation outside of your control. But. this is what happens. We're we try to. finesse. We get complicated. We spread. all our [ __ ] too far. Then all of a. sudden, uh-oh, we're not in control of. this account. We lose our ability to. fully manage things. Late fee. hits the Denver Art Complex. King. Scoopers. Max. Yeah. Yeah.

H the balance for this interest rate. would have ended a couple weeks ago. Yeah, it it did. But then the payment's. not due for a month after that. Oo, sketchy world, man. That's is putting. yourself in a scary situation. You have. a wife coming. Well, that's how like a. normal credit card payment works, right? I know, but you're pushing yourself to. the edge and you always have like what. if a medical thing comes up and you. can't just pay it off? I I don't even. think you can just pay it off with the. way you do it with the way you live.

life. But I mean, the fact is what if. something else does pop up? You don't. take that in account and now you've. drained your emergency fund to go to. Cameroon. I guess if there was a serious. like medical bill, but like my out-of. pocket maximum is like only $8,000 and. I've paid like $4,000. So like at like. absolute maximum I could pay maybe. $4,000 more. There's so many more. emergencies. The car breaks down. It. did. It did break down. Well, there you. That's why I'm buying car parts or. there's so many that's why they're an. emergency because they're unpredictable.

Yeah. And you put yourself in a risky. situation with leaning this entire huge. balance that's about to hit interest. rate the. 6,585 about to hit infrate interest. rate. You're okay with that? I mean especially. with a wife coming it's just and you. want to get a house, right? Well, you'd. get a house without an emergency fund. and then all of a sudden a big expense. would happen and you wouldn't be able to. cover it. Yeah. Well, see, that is kind. of a worry. That's like why I feel like. it's safe. That's why I'm don't have a. house and like why I'm renting is.

because. like, you know, the loss of freedom and. then the loss, you know, just like. you're just, you know, what happens if. you have to do repairs? Um, insurance. rates are going up, you know, that kind. of thing. So, it's just kind of like. a It seems scary to do a house, but I. mean, do you want to then? I I do. Yeah, I do because like I said, you know, I. want to like have like the chickens and. the goats and the.

sheeps and like, you know, just be able. to do what we can with the house. like. you know make some of our own decisions. like you know you can't like you know um. tear the house up I guess if landlord's. in charge and then in the situation. where you're going and of course. spending more than you made in that. monthly basis um it's the prioritization. of things I mean you're getting again. all the car parts we talked about that. but then also just like all that meat. you're like the water is like. stockpiling over the course of a few. months even though you could have spread.

it over a few months. yeah what are you prepping for I mean, I'm not necessarily prepping. It's just. like I'm at the store and then um you. know, so I'll buy like four boxes of. water or you know, I'll buy like four. jars of ghee or something instead of. just in months where you cannot afford. it. You had to drain an emergency fund. to leave. Credit card bill comes due. without with interest hitting very soon. because it was like interest free for. that month. It it's more like I had like.

two months to pay it. So it like I was. looking at it as like, you know, a. payment for the next month. I get it. But again, look what happens when we try. to finesse everything. Yeah. No, you're. right. I mean, it's it can happen. It's. not a horrible mindset if we do it. right. I don't know. You seem like. you're spreading things all over the. place. I mean, I'm I'm trying to do it. right. Um, it's well interest is about. to hit like right now and I don't see 6. 7 8. 9,000 $10,250.

laying around, you know, like I I do. save some money in some places like um. you know I spend a lot of money on milk. because I make my own yogurt but like. milk's a lot Make your own yogurt. Yeah. Like uh Oh, she'll feel right at home. Well, yeah. Well, the uh the yogurt is. like a lot less expensive when you make. it yourself, I guess. Well, cuz like I'm. making you want to play the real finesse. game. The time you're spending making. yogurt, you can probably pick up like a. contracting little thing for software.

engineering like on like Fiverr or. something. Oh, well, it's super fast to. make yogurt. I'm just saying. You. literally just pour milk in a jar. I. don't care. It's fine. You should make. your own yogurt. Like I'm okay. It makes. me not only like do I make yogurt like I. I mean I make sourdough too sometimes, you know? I'm like into the fermented. stuff, so I made sure so I made like. kimchi, you know, sour. Okay. Yeah. So, um not against that. And then I guess. like one of the bad purchases I did, I.

mean it's like Yeah. So, I bought a. bunch of computer parts because like it. sort of started when um so I broke my. computer because I was making sourdough. in the winter and then the computer's. warm. So then I set the sourdough on top. of the computer. And then it like. overflowed and or actually I guess it. was yogurt that did it. So now I have. like four four or five computers. So um. sell them. I've been I've been trying. I've been trying. Then you're. overpriced.

Um yeah, maybe. I mean they're not. priced. If no one's buying them, they're. overpriced. The market says they're. overpriced. Okay. What What would you. What would you say? I What I mean it's. like a 4070 Super. Dude, I don't know. It's what people would buy it for. If. people aren't buying it, it's. overpriced. I don't think it's that. overpriced. I mean, it's like, well, no. one's buying it. It's not you. The other. people are saying it is. You don't get. to determine. Okay. Yeah. Uh or maybe. I'm just not selling the right place. You know, maybe Craigslist isn't a good. place to sell them anymore. You haven't. tried Facebook Marketplace? I don't have.

a Facebook account. Make a Facebook. account to sell them and then delete it. I don't know. Okay. I don't think the. Zuck will care that much. Okay. Look, this is a car, right? Wait, no. What is this? What? What? It. has a. $3,283 balance. Uh, this is what happens. when people just send screenshots. instead of statements cuz I don't know. what the we're looking at. That is the. Oh, that's Yeah, that's a Sapphire Chase.

card. Okay, so Sapphire. That That was like a. car expense. That was my car repair. That $3,000 was a car repair. So, what. car what happened? Um, so my clutch went. out. What's your minimum monthly on. this? Minimum monthly. I mean, I see. activity since last statement. Of. course, you didn't send us the entire. statement. Why would you? Korean. restaurant. Hadn't come out yet. I I got. the card uh in April. Korean restaurant, Pine Creek, Japanese Domestic Auto. There's that one. Yeah, that was my.

friend's birthday. And then the car. payment. Okay. How much How much is this. car worth? Um, well, it's probably not worth as. much, but it's probably still worth like. 16 or 17,000. Okay. Okay, then it's not horrible. It's. a lot of money to put into it and I get. it. While all this other stuff is coming. up again, what if that happens right. before credit card balance is about to. acrue interest? Yeah, then we already. know that that's going also. We ran your. car based on all the details you gave us. and we're given a private sale uh value.

of 9,900. Yeah, that would be if it was. an automatic, but it's a manual. transmission, so it's like uh more We. searched your VIN, though. Yeah, but I. think like it it's because the manual. transmission is like super rare. I don't. know. We searched your VIN, it knows. what car you have. Okay, I'm just It kind of sounds like. your GPU is where you uh I mean, look, if you go look up like on car trader. right now, Acura TL 2013 manual. transmission, uh you won't be able So, it's going to be like your GPU where you.

put it at a price you think and then no. one ever buys it. I'm saying like the. only ones listed are listed at 17,000. Like, if you go buy an automatic, it'll. be listed at 9,000. But manual, we. search your VIN. I'm going to go off of. the VIN. Okay. If you say so. Not off of. what? like looking at what might a. souped-up car might have or something. I. don't know. Your VIN though says 9,000. like right. I mean I mean I don't know. how you're searching it. I'm just. telling you like the Facebook. Okay. Yeah. I mean I I don't know how.

Kelly Blue gets the numbers. Like. there's only five for sale at any time. in the country really and then they're. all about 15,000. It's not the biggest. sale. I don't really care. But that that's what we got. What's the. minimum monthly payment on this? I I don't know. What do you think the. minimum monthly payment is? Probably. like uh $40. It's usually like about 1%, right? Okay. What is the interest hit on. this? I'm assuming this is your interest. free. Uh no, this one's not interest.

free. This one um this one I I put it on. there because it was like expense I had. to pay. And then there was like a um Why. did you put it on one of your interest. free cards? Okay. Because there's like uh like the. first $5,000 spend, you get $1,000 back. and then um there's an additional 0.25. multiplier if you buy a plane ticket and. you buy my fiance an expensive plane. ticket and then so this essentially will. cover the plane ticket and then why but. then interests.

Yeah. If if I don't pay it, it will. Yeah. This is a lot of cards. Have to. pay the full balance off all the at. once. Right now we're adding 6 + 3 + 3. Well, really 6 plus 4 plus 3. You make. 10,000 a month. Yeah. And my emergency. fund. You're going to use an emergency fund. So really, you've just kicked the can. down the road and really all your. savings was really going to it at the. end. So really the savings were nothing.

Well, yeah, but they were earning. interest. What? How? What? What? What. APY? like 4.35. Okay. So, how much did. you get? Couple hundred bucks. Yeah. Like probably like 100. Great. And. that's if you do this. All right. All right. Wells. Fargo. Here we have 4,000 hours of purchases. You paid off the last balance.

That's the medical expenses. Oh, no. And two thing foods too. You got. some food as well. I think it was. Costco. Yeah. Well, oh, there's also. might have been gas. Alip pay. Oh, that. that was the Ry's high country town. towing. Yeah, that's car emergency. Cater country meat. Yeah, we know that. lockbox. Oh, that was the immigration fee. Okay,

so this was not all medical. Oh, a lot. of this stuff was the stuff we were. choosing to do right now. And maybe we. don't do the medicals all in at the same. time. I didn't really have a choice. No, the medical you can do, not all that. stuff at the same time. Yes, you do. Car. repair. I get it. The Well, yeah. I got. to get my charge code and then the other. one was immigration fee. I know, but we. could have maybe delayed a month when. you had the money. But then it would. delay her getting here a month. I get. it. I get it. It's just you're putting. yourself in a financially scary. position.

I mean, you know, like, doesn't Dave. Ramsey say stuff like, you know, spend. your money on like people and. experiences? He doesn't say spend $2,500. more than you make in a month. Yeah. He. doesn't say go into credit. Why Why the. [ __ ] you bringing up Dave Ramsey? He. would never recommend the little. finessing thing you're doing. He. wouldn't even let you look at the. immigration. If you're going to bring up. one part, you have to believe the Well, I don't believe in the religious part. for sure. So, well, either way, it. doesn't matter. It's like, okay. Yeah. You're finessing. He. wouldn't recommend any of this. Yeah,

that's probably true. Yeah, he doesn't. he doesn't like credit cards and I got a. lot of them. It's for sure. What if you get laid off, man? Yeah, I. mean I'm worried about it. Like I mean. that's definitely that's probably the. biggest worry like out of all the Well, that's why you have a fully funed. emergency fund. But again, you're saying. you're using your emergency fund to take. care of all this, which by the way is. not a learned, it's not a good learning. lesson because with that, you're. essentially allowing yourself to spend. more money, bailing yourself out, then.

you have to cut back, build a fully. funded emergency fund, then you're. allowed to live a crazy life, then put. your emergency fund towards it. You're. just you're not learning the behavior. that [ __ ] you into a situation that. you can't afford other than bailing. yourself out. And then what happens when. you get laid off? if you get laid off, and hopefully you don't, but the tech. market's a little interesting right now. Yeah, it is. You know, and the rise of. AI, who even knows. What kind of. software engineering do you do? I'm not. at liberty to disclose that. It doesn't. have to be the job. You can't say like. what kind.

Um, I guess like. C++. I mean, is that what you're looking. for? Okay. So, guess AI could come for you. essentially. Yeah. It's just it's it's it's it's a that's a. worrying position. Yeah. Yeah. It's. definitely worrying. And so I guess. that's like a sort of a question I have. like an educational question I have is. um so let's say you do have your. emergency fund, right? And I'm not. saying this applies to me. Okay. I'm.

just saying hypothetically. Okay. So. let's say you have your emergency fund. um fully funded, right? But then an. emergency happens, right? So then you so. then you use your emergency fund to pay. for an actual emergency. Sure. I don't. think we agree on what an emergency is, but yes. Okay. Um, but then at that. point, right, your emergency fund is no. longer fully funded. Yeah, you you'd. agree with that. Then, yep, you scrap. down to zero and you build it all the. way back up again, right? And that's why. I feel scrapping down to zero nor.

maintaining an emergency fund. You're. draining an emergency fund and not. scrapping down to zero to build it back. up. So, you know the answer to it and. you're not scrap down to zero. like just. get rid of course it's an emergency not. to have an emergency fund. Okay. Yeah. Okay. I can see that emergency fund. keeps you alive for 6 months if you get. laid off. Gives you options to you know. go and find other jobs and unemployment. help cuz you've been playing it paying. into that system as well. Not saying.

you're going to get laid off. Hopefully. not. Hopefully you're very talented and. you know it's like you know the software. engineer scale you're making like you. know money. It's like it's fine. So, I. don't know where you stand, but you're. living life on the edge, man. And that. makes me nervous, especially since. someone else is putting their life like. they're fully jumping. They're jumping. into the deep end, you know? Yeah. No, you're you're right about that. It's. just um it was just like the timing was. like really kind of it's like hey let's.

do you know the like the trip and then. the the medical thing kind of happened. at the same time and then as soon as I. got back from the trip the car thing. happened. Yeah. And that's welcome to. emergencies. Maybe you shouldn't use an. emergency fund for aing vacation. Well. we're being honest if we're being. literal. And also at the same time your. emergency fund was to cover you when she. comes here. That's a double person or an. extra mouth to feed. You know, it's. extra things. Maybe you put her I don't. know if you can get her on your. insurance. I don't know. But whatever. ends up being done. Well, yeah. I mean,

you'll be married. I don't. know. So, like it won't be able to cover. her emergencies and you would be her. emergency fund, right? Yeah. So, you're putting it at. risk for her for selfish. desires so you can prep, so you can do. all this stuff. So, you can have that. miscellaneous bull. $1,000 even in a. month. You had some emergencies with I. which I vibe with the car one the. medical can't do anything about that got. it did not go need to go to Cameroon. that exact month but whatever you did.

but either way while all that stuff is. happening you still did $1,000 of. miscellaneous bull did not need to do. your. choice all well what is this again 6 7 8. 9 10 11 12. 13. $13,750 of interest free that's about to. be airy interest that is about to. slam. This is a fun one. I get to get. you free money and then I get to get.

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$5,320 right now. Oh, plus the Wells. Fargo, the Wells Fargo cuz you're going. to have to pay this as well or else. interest will hit again. You paid off I, you know, we could celebrate and be. like, "Hey, you paid off last month. Looks like you paid off every month.". Well, it was a $100 balance. This time. we're at. $4,48361. That's a chunky balance to. also throw into the mix of the 65 and. the four and the 32. So like good luck. The minimum payment.

is $45 on this. I don't know how you're. making all these payments. You a double. d you have to make uh a payment that is. worth double your net income on a. monthly basis. I don't know. Math's not. adding enough for me. Math's not enough. for. me. And the visa thing, I get it. I want. you to have I want you to have the. person you love here. I. do. Being able to take care of her is. also equally as important. And.

you'reing potentially her with draining. her merciful that is also going to need. to be here. And I'm being told, I mean, you bought your ski passes on here. You. got $500 snowboarding boots, new. bindings for. $30. You go golfing all the time and you. spend $70 on that. It's just like you. got a massive suit collection that. you're spending money on. Graphic novel. CD collection for some reason. It's just.

like it's just endless, buddy. It's just. endless. Oh, but you know, I do hate. Spotify, so that's kind that's kind of. why. Yeah. I mean, I guess I guess I. just was like, okay, so I was started. listening to classical music and then um. I guess a [ __ ] NPR then. Well, okay. Yeah, but all I'm saying is like I. didn't want to pirate it cuz you had. fees this year, by the way. It's a $5.

international purchase fee. It was very. accidental. Well, everything's. accidental to you when you do something. wrong. Well, I didn't know it was an. international purchase. You're going to. accidentally do things wrongly. I would. have used different cards. Keep going. Classical music. Yeah. So, classical. music. Yeah. So, it's like harder to. download that, I guess, like illegally. And I guess that's technically illegal. Um, so I just bought a bunch of like $2. CDs to kind of build up a classical. music collection. And then I ripped it. into flack files and you put in my. player. You live in 2005.

Yeah. Cool. They didn't have flag. players back then. You live in 2009. Yeah, that's more like it. I don't know, man. I You can use the. Fizz card, so at least you can only. spend what's in your checking account. She'll need it. So, I'll also put you. guys through couples therapy through. Sandre Mind when you guys get here. Three free sessions. She'll need it when. she realizes there's no way to keep her. safe. And she when she's ready to drop. jump into the job market, I'll also gift. her a course career certification. Yeah,

that would be actually pretty helpful. Yeah, it'll be good. City double. cache. Does he send a statement? No, he. sends a picture. Well, I couldn't I. couldn't send a statement because for. the sapphire and the city custom cache, I had just opened them. They were brand. new cards, so no state. Are these. screenshots of within there? So, city. That's That's the city. Yeah. Yes, sir. What's the minimum monthly payment? Don't give me your normal answer. Uh, I'm assuming it's probably I think. it's $40. I think it's $40. They're.

always like $40 for some reason. They. want to squeeze as much interest out of. you as they can. $78820. Uh, yeah. This is where we have. the symphony. We went to the center US. or UCCCS presents box. It's $182. I know. I know what it It's. like tickets to the theater. Oh, okay. And then the symphony was 396. That's. the season. Yeah, that's the season.

Okay. I like classical music, too. I get. it. You just I mean, you're in a. situation you're you're. living. a $150,000 a month net lifestyle and. $110,000 net a month. You're really. overspending. access ticket. resale chamber. orchestra man. Yeah. And those are all. for like this is destroy our lives for. the arts card I guess. When does the.

intro start on this card? It's a new. card. So probably it's a 15 month away. Yeah. So 15 from now. Yeah. From now. But yeah. You know what what kind of. upset me about that one? It's like I put. all those on there cuz they're supposed. to be like 5% cash back on uh you know. Sure. live orchestra perform. It. literally says orchestra. Really? Okay. Yeah. And it And as you see, those say. orchestra, but they they don't show up. as orchestra. So, I was kind of just. like super disappointed. They counted as. charitable donations. Got two. I just.

got one. Counted as charitable. donations. Counted as charitable. donation instead of a claim that. Well, well, I'd have to itemize my. donations, so it wouldn't get brutal. That probably wouldn't make. sense. Okay. Capital One Quicksilver. You have so many cards, man. What kind of finessing are you. trying to do? Well, I was just trying to. have like, you know, get the 5% back on, you know. Yeah. You're trying to get. every cash back thing you can, every.

intro, whatever. Yeah. The bank. $8414. Minimum monthly payment $25. This is getting hot. This takes five years to pay off. Minimum monthly payment only $853. Again, you paid off the previous was the. previous $0. So, not really. But this is a hotel. Wait. Yeah. This is. a [ __ ] on my travel. Oh, so another. accident.

Yeah. Can't wait until you guys start having. intercourse. Um, accidents work real well for you. Then you got to have an emergency fund. for those. Yeah. Yeah. No, I mean, keep. going. What's your little accident? We. got Air France, we got relay, we got. France and geography. I guess you can. guess geography. No, no, I don't know. But the wrong ticket youing bought to. Zimbabwe. No, I mean uh I missed the. flight. I missed the flight and then um.

yeah, how to how to rebook it. And now. you're going to miss your payments. before your interests. You're predictable. That's the card I should have used on. that international purchase cuz it has. no international fee. So that's why I. used it for this one cuz they were in. France. So I had to get a hotel and I. had to redo the ticket. See the real the. real issue with that one is like the. ticket, you know, that's like one thing. But um man, they they overweighed my.

bag. So, like my carry-on bag, like I. was already through security and. everything and then they made me go back. through and pay like 300 for it. That. sucks. I mean, yeah, I should I should. have just thrown the books away. It's. just it's life things. It's the things. you you expect nothing to happen and. then life things happens and then you're. like, "Oh, I have to pay this extra." It. always happens and it's going to happen. and then you delay all these things that. you're gonna have to pay $20,000 right. now. It's like, look what happens, man.

Okay, it's 0% until. it's not I don't see a date. Oh, it's. not 0%. So, okay, big balance coming. 841 and $4 on that. Add that onto the. tally. Add that on to the. tally. Okay. Let's keep going. It just keeps going, man. US Bank. What? Uh that was the um that was the one. where they give you like.

uh the global entry free. So that's why. I got that card. cuz I was doing a global entry, you. know. Oh yeah, I was coming in from. Okay. Now the payment $40, you owe. $235. I mean, it only has a limit of. 500, so it's not like you can spend much. on here anyway. I mean, you spent 5 93, but you put a little bit more towards it. than the minimum. Yeah, you had to spend.

500 to get the um So, the credit line to. get the whatever $200 reward or. whatever. Arts complex, Uber trip, Uber. trip, a little bit of dental, got some. uh booking, hotel, Uber, Uber, Uber. Lots of Uber, UPS, Walgreens. Yeah, makes sense. ER. Yeah. Sitting at 21.24% interest rate on. this one. Yeah, that's pretty low. actually. It's not low for a credit. card. For a Yeah, compared to like.

credit cards, but it's not. I'm shocked. I'm shocked it's only 21 to be honest. with you. Okay. Are we celebrating? No, I'm just saying I'm surprised, you know. I feel like they're mostly like 28, 29, 30. Okay. US Bank. Uh, this one we're not going to. put in the deck. It's only $40 and it's. a $40 minimum of payment. But you did. purchase 204. What could that money have. gone to instead? Well, that was that's my utilities card. So, that goes to electricity and. internet.

Yeah. Comcast. [Applause]. utilities. Is that all your debt? Uh, you're not owe on your car? No, I. haven't. That's. good. Is that all your debt? Yeah. 1 2 3. 4 5 6 7 8. So all the credit cards that. are about to come due is. $20,217 92 cents or else interest will. start acrewing and all the finessing. we've done will go to you.

It's only two months worth of pay. Do. you not have rents? Do you not have. utilities? Do you not have food? We know. you have food. Do you not have extra. cost? The food's on there. I mean, the. food's on there. You have future food to. get probably. I bet you're going to keep. eating. But I bought it in Vince. How. many months? I mean, at least one. Then. you're probably going to go buy five for. next month. Yeah, that's funny. It's just about to. start crying. Yeah.

Okay. I mean, yeah. I mean, at a certain. point, you eat all the food, but I do. have like food, too. And you will have. to spend money. Money you do not have. cuz two months gross. Gross is what is. needed to pay off this debt. And a. little more. What is the staple staple. scooper scooper or super super super. super super super. I mean I want to tell you I want to tell. you the reason but you're going to like. probably what? Okay. So they had like a. promotion. Oh, super super super super.

look look. Super super super super super. super. super you haveing credit cards that are. about toing acrew interest. Super super. super super. what? Okay, so that was like Okay, so. they had this promotion. You do every. promotion you can find. Okay, so they. had this Well, no, it's just with the. bank. Like so like if you make a if you. make a a purchase on your credit card,

they'll um not on your credit card, but. on your debit card, they'll round up the. the difference. So So I was essentially. buying one can of cat food at a time to. get the most roundup and then like. actually on that Staples purchase. Oh, you sound like a couponer on that uh. Yeah, it took way too much time. Um, and. then they got mad and told me they would. uh it it was suspicious activity. But so. on the um on the Staples one, I actually. made money on that purchase because it.

was like how much? Like $2. Like like 40. cents, but like but no, it was like a 30. cent purchase, but they gave me 70. cents. Oh, on that purchase. What did. you make across this whole thing? Oh, I. mean I don't know. Like probably like 25. bucks or something. But um but yeah, it's funny. Like it was kind of an. infinite money glitch. If you spend 30. cents and they give you. 70, that's probably why they said it was. suspicious activity.

Yeah, but like, hey, a real infinite. money glitch there. Okay, $5 in this. account. Couple. one. It's curious. Uh, yeah, they have. 5005 went in, 500 went out. Uh, yeah. Well, so they had a promotion. Oh my. gosh, dude. They give you $300 if you do. two direct deposits in there. So, um, you make 110. I'm not saying don't be. frugal and do all these things. It's.

your time could be better spent doing. something else. Especially in the world. of what you do for a living. You could. totally pick up some random little side. projects. Yeah. And make more than you. are the little bit of money you're. spending on all this finessing. Well, I. get it's fun. I get it's fun. I mean, I. am working that second job at night, so. you know what? Yeah, that's why my. income's so high. Oh, so that's two. Yeah. Yeah. So, yeah. Well, damn. I.

thought that was one. So, you definitely. are on the chopping blocks for layoffs. then with what you're probably making in. your software engineering job. I mean, we're about to hire some engineers for. our apps. Shoot me an email if you want to, but I. mean we're paying just the the basic. people what you make for both of yours. combined. Oh, 52 cents in this one. $4,774 came in, $80 debit card withdraw,

and then $4,75 went. out. What are we. doing? This is going all over the place. the different Schwab checkings and. stuff. Yeah, it was cuz I was going to. that trip to Cameroon. So, um these. accounts all had like international. fees. So, I got in a Schwab account that. didn't have international fees. Okay, that that actually makes sense. That's a good finesse. That probably was. worth the. time investing $127.

That's the swab account. Okay. Okay. So, here's the high. So, 13,000 hours is your 6-month emergency. fund. I doubt it. It's not enough to. live off of 6 months for you. What's. your rent? Uh, well, rent and what's. your rent? Rent, utilities, 21,00. Okay, this is not enough for us. This is not a. 6-month emergency fund, right? I know. And it's going to be all. gone to pay all these things, which is. those are not emergencies. What you have. done is a disaster and it's not. You're.

not doing this right. Okay. The. finessing works if you pay it off and. you can make the difference and all that. stuff. You're having to use your. emergency fund to take care of it. That. does not count. That is not finessing. That is you putting yourself in a. dangerous. position. That is not good finances. Simply put, I need to be clear cuz you. feel like you're doing this right. You're not. You're destroying. it. Now, I know this wasn't likeing. crazy finances type of episode, but. you're stilling yourself. And there's.

going to be people out there that are. related to this cuz they're thinking. they're finessing. You're just you're. draining your emergency fund. Yeah. Yeah. I mean, you're right. I am. draining my emergency fund. Um but. that's because I had some emergencies. No, you you're draining the emergency. fund to pay off your credit card, which. at least a thousand just this last month. alone went to. miscellaneous. Someone went out to eat. It wasn't crazy amount. And it's not just the emergencies. You.

did not need to pre- buy all the water. and all this [ __ ] You did not need. all the computers back then. You did you. could sell at a reasonable price now to. try to pay for things. You did not need. to pre-order all those filters and. whatever. You did not need to go to. Cameroon right then at that moment. Well, that I know what you want to do. It's not about wants. I'm talking about. need emergencies or needs. I mean, I. could have waited indefinitely and she. could never get allowed to come over. here. I didn't say waited definitely. I.

did not say waited definitely and Okay. And but maybe not the same month that. all these bills are due and emergencies. are hitting. I Yeah, but Okay. I didn't. know. Okay. But like I planned the trip. before any of those emergencies. happened. So, I didn't know it was going. to be the same month. So, that's like. kind of how I got like in that. situation. It's like, you know, I. planned the trip, set it up, and like. right at the same time the the medical. thing happened, and then the and then as. soon as I got back from the trip, the.

car thing happened. So, it was just like. I know rough time, right? But you I. mean, I'm saying spent $1,000 in. miscellaneous bull, some money going out. to eat, some other things as well. It's. like you spent you still spent money. What's that what's that orange section? Um the going out to eat which was a. little higher because of the the the. beef was put in there but it was still a. couple hundred going out to eat. Oh that. big orange on the side. Oh uh large. purchases general large purchases that. are a little harder to categorize. Okay. That is um ATM withdraw airlines ticket.

tax payment. Tax payment. Oh yeah. How. to pay taxes. But I paid them. I mean. yeah but again you're doing this all at. the same time. You're not willing to. space. You can't space the emergency. fund or taxes. in space the. miscellaneous [ __ ] which just as. much as the taxes PayPal out. 2511 hotel booking K1 visa application. fee and international travel out so it's. a big big chunk 5827 for all that.

a little bit on the subscription side. medical healthcare that was a big chunk. obviously unknown shopping very small. it's typically Amazon Walmart you didn't. really have that kind of stuff necessary. food we got that transportation and then. housing um well the good news is like a. All those purchases aren't going to be. recurring, you know. Yeah, but now you have $20,000. right now and you only have $12,000 for. your emergency fund. So, you still need. to basically put all of your net income. towards it to pay it off for a month. Buddy, this does not go the way you.

thought this was going to. go. You tried to. finesse, push yourself way too close to. the edge. It's a lot of 20 cent. Yes. Yeah. 1,300. in retirement. Well, you're definitely. not going to be a four out of 10 if this. is your entire retirement. I thought. that would be the one thing that. carries. There is an IRA, too. It's. $6,000. You're still dramatically buying.

for your age. Yeah. Well, I know. Dramatically behind for your age and you. have to catch up to an emergency fund. again. So, I don't. know. Let's get your budget. $10,000 is. the income. Woo. Woo. I mean, some time. has passed, you know. So, like I have. gotten paid a few times. Huh? I've. gotten paid. You know. what? I've gotten paid $10,000 since. maybe more. What are you saying? Well, yeah. I'm saying I've been acrewing. income this whole time. Yes. I assume.

you were making money. I know. I Yeah. Well, I didn't say you weren't making. money a month ago. Well, I know, but I'm. saying a month has like happened. So, like I've made a month worth of income. and you had a month worth of expenses. Yeah. Yeah. But okay, but I pre-bought a lot of. these. Okay. Yeah, you pre-bought, but you're a pre- buyer, which means you're still going to. pre-by. And again, emergencies happen. You don't have that debt payments if we. just did our minimums, $259. What's your rent and utilities all.

combined? 21. Is that including. internet? Yes. Phone bill? No. None. Okay. I'll do helium if you. need it. Okay. Okay. Gas, broom, vroom. from drive. Drive like 150. Car. insurance. Like 75. Okay. You can do I'll give you $400 for. groceries. It's higher than normal, but. still just meal prep. Meal prep. Meal. prep. Try to live on the cheap until you. get an emergency fund cuz it is an. emergency not to have a fully funed. emergency fund. Look at what's happened. to your life. $100 for TP fund. Anything.

else you need to survive? Toothpaste, all that good stuff. Medical, healthcare, co-pays, monthly basis, medications. I mean, outside of this one. like emergency thing, I've haven't. really had any medical bills. Out of. pocket. Okay. Yeah. I mean, dental every. now and then. What about your cat? Age, health? It's like 17 years old. Okay. No. pet insurance. Cat food, how much? $70, maybe. Something like that. Gym? No. I do cartwheels in the park. Of. course you do.

Anything else that need you needs to be. in your budget that I have not taken in. account? Um, no. I not really. I just Well, yeah. I. mean, the food budget's a little light, I guess. But I know. All right. Well, I. mean, this ising simple as it gets. What. are we doing? It cost you 3,54 to. survive on a monthly basis. $10,000 is. needed.

Yeah, pay off half a dot in a couple. months, take six months, build an. emergency fund. I I don't know. This. is pretty chill, pretty easy. Um, you. just have to like just live on your. needs and not go crazy, right? Well, okay. But even with that, right, like uh. how long? Like that's going to take like. I mean that's going to still take a long. time to get like a down payment for a. house, right? Yes. Yeah. But you don't. even think about that until you have a. fully funed emergency fund. So, I don't.

care about that for right now. And also, you're only willing to buy a house once. the market collapses and the bubble. breaks. So, spending a budget you. overspent zero out of 10. I know they. had to deal with emergencies, but you. still spent money that you didn't. necessarily have to on some things as. well, especially for that time. Debt, not great debt that's about to crew, but. it's not the worst debt by any means, especially for your income situation. I'll give you a 2 out of 10 there. Emergency fund. I know that'll go to. that, but I would add to the debt score. and take away from the emergency fund if. I was calculating that part into it. So, right now, I'll give you a 6 out of 10.

for emergency fund retirement. Definitely behind for your age pretty. intensely. Four out of 10, maybe even a. three, but I'll do four. I'll be. generous. Zero out of 10. Hammer. financial score 2.5 out of 10. Guys, make sure to join us for the post show. We're going to hang out there. Make sure. you join Hammer Elite. That's the best. version of our YouTube membership. because it's the best YouTube membership. on the platform. The platform has even. said so themselves. And if you don't. want to be like this and you actually. want to pay your bills on time and. interest not acrewing, download the. budgeting app signed for the annual.

version. I'll sign the cookbook and I'll. send it directly to you. Join us for the. post show. Hello my Cameroonian. princess. How are you? I'm fine. How are. you? His opening message was like, "Hello, would you like to come to the. United States? I'm lonely." Yeah. How do. we know you guys love each other? If. that was the message you responded to, we couldn't really say we love each. other. $8,000 of debt and he'll have no. savings. How does that make you feel? Um, exclusive members content. Click the. link in the description or pin comment.

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